10-year return
9.03% p.a.[P1]
1-year return
15.62%[P1]
MySuper Lifecycle. It really does revolve around you.
MySuper Lifecycle will fine-tune your investment mix over time to help you retire with more. It’s a smart investment approach that puts you at its centre.
After you turn 56, it will automatically reduce your exposure to market ups-and-downs. This makes your super less risky as your start to think about retirement.
This is the default strategy for all members,
but you can opt out at any time and fine-tune your investments in Member Online.
Why invest with Aware Super?
Strong, long-term performance
Our High Growth option is ranked in the top 10 similar investments for super funds over 10 years. This is where your money is invested during the Grow phase of MySuper Lifecycle.[P1]
Our competitive fees
This can make a big difference to your super balance over time.
We offer competitive fees[F1] and don't charge you to switch options.
Member Online. On-train, on-couch.
Online account access lets you use Member Online and our award-winning[A4] app to check investment returns and performance.
What we invest in
Stockyard Hill Wind Farm is located around 35km west of Ballarat in Victoria. It has 149 wind turbines with the potential to power around 365,000 homes each year.
Stockyard Hill is one of our investments in infrastructure. Along with infrastructure, we invest in a diversified portfolio that includes investments in Australian and international shares, bonds and cash, as well as property, credit income and private equity.
Common investment terms
An asset class is a way of defining a group of assets that have some shared characteristic. But, an asset class may have different asset types.
In short, It’s a way of describing a group of assets that have something in common.
For example, we may put together many different asset types (listed property, shares) that we think will grow and describe them as a growth asset class.
Or, we might group assets together because they belong to a single sector, like infrastructure, but have multiple asset types within that asset class like roads, ports or solar farms.
An asset allocation is the mix of investments across different asset classes, such as equities, property, and cash. Ideally, your asset allocation should align with your attitude and tolerance for risk as well as how long you intend to invest.
Understanding asset allocation and different types of risk can help you understand how your investments might perform in often-changing market and economic conditions. It can be useful to look at how risk is impacted by asset allocation in two different ways.
The risk common to an overall asset class is called ‘systematic risk’. This risk can be managed; but not completely eliminated, by diversification across asset classes to help reduce the effects of specific market events.
However, a degree of risk will also be inherent to each particular asset held within each asset class. Known as ‘unsystematic risk’, it is essential to understand and manage the specific risk of each asset held, for effective investment decision-making.
The key features of the three diversified investment styles applied to some, but not all investment options, are summarised below:
- Core - these options use a range of investment managers and investment styles. They include unlisted assets like infrastructure and property investments.
- Indexed - these are low-cost options which invest only in liquid asset classes. When we talk about liquid assets, we mean assets that can be quickly sold; like shares, cash and fixed income.
- Socially Conscious - these options seek to avoid certain investments considered to have a highly adverse environmental or social impact. Investments are selected and managed according to specific restrictions and exclusions.
There are two main categories of investment options; Diversified and Single sector options. The investment options available to you depends on your account type.
- Diversified - contain a mix of different asset type and allocations:
- High Growth
- Balanced
- Conservative
- Balanced Conservative
- Defensive.
You can adjust the investment style on the High Growth and Balanced options from the core investment style to a Socially Conscious or Indexed option based on what you’d prefer.
But, if you switch to a Conservative, Balanced Conservative, or Defensive option, only the core investment style is available.
We offer six single asset class options for members wanting to be more hands-on in choosing and managing their investments. You have the power to invest in multiple options by percentage, so you can fine-tune your asset allocation.
- Single sector - an investment option that invests in only a single asset class. These are:
- Australian Shares
- International Shares
- Property
- Bonds
- Cash
- Term Deposit.
An investment objective is the desired investment return of an investment option.
Every option has an objective. Objectives vary depending on the investment mix and level of risk of the option.
The Standard Risk Measure is a scale from 1 (lowest risk) to 8 (highest risk). It can give an estimate of how many times an investment option will deliver a negative annual return in a 20-year period.
It helps you to compare different investment options with a similar risk level.
We review the Standard Risk Measure of each of our investment options annually, or more frequently if there is a material change.